How to Make Money Online: An Honest, Straightforward Answer From a Successful Online Entrepreneur
I’ve made my living completely online since 2007. Hence, I receive a lot of questions from others who want to know how they can do the same. Following is one, which inquired me to write this article on “how to make money online” along with my answer. Query any successful online entrepreneur, and I’m willing to bet dollars to doughnuts they’ll tell you much of the same thing.Question from an Unhappy Full-Timer Who Wants to Quit Her Job and Make a Living OnlineI can’t tell you how happy I am I found your site. You are doing exactly what I want to do and you make it simple to understand. Because of circumstances I work 60-70 hours a week at a job I hate. What would be the best something small I can start with so I can cut back on my overtime and work my way out of my job. You offer so much wonderful information I don’t know where to start. Thank You, L-One Way to Make Money Online — FreeIn answer to her specific question about what small thing she should start with, my answer would be affiliate marketing simply because you can, in essence, make money online for free — as in, you don’t need to spend anything to start making money.With that being said, following are some concrete steps you should take if you want to learn how to make money online. This advice applies to any type of online business you want to start because the foundational steps for success as an online entrepreneur are the same.5 Easy Steps to Get You On Your Way to Making Money Online – No Matter What Type of Business You Want to StartI. DECIDE Many who want to strike out on their own fail to get started because they talk themselves out of it by putting roadblocks in the way. For example, they may say, I need to get a website before I start, learn how to update a blog before I start, get my logo designed before I start, do (you fill in the blank).All this is is fear – and many fail to get real with themselves and recognize it because they think they’re doing something, i.e. waiting to get a website done, etc.The bottom line is, if you want to start making money online, don’t wait for the timing to be perfect or to get “x” done, etc. The reason is the timing will never be perfect and you’ll never finish all you want to do before you start.You just need to start. Once you do, the excitement and momentum will usually keep you going – getting all those things done that you thought you needed BEFORE you started.II. STOP “OPPORTUNITY SHOPPING” A pro — and con — of making money online is that there are one thousand and one ways to do it. I know this from personal experience, as I earn money online in several ways, i.e. as an affiliate marketer; writing and self-publishing my own line of eBooks; and as a freelance (SEO) writer for online businesses.But you have to settle on a business idea – and stick with it. If you keep flitting from opportunity to opportunity, you’ll ever make any real money online because you’ll always be starting over.III. LEARN SEO In case you don’t know, SEO stands for search engine optimization. And if you do business online, you need to know it because SEO is all about getting eyeballs to your site/blog/online presence. Without website traffic, you can’t make sales.And FYI, you don’t have to become an “SEO expert;” knowing the fundamentals – and staying on top of them – is all you need to be successful. Once you start working your online business, you’ll naturally learn more because you’ll be reading what others are doing and trying out different things..IV. PUT TOGETHER A MARKETING PLAN Once you get the fundamentals of search engine optimization under your belt, then you need to create a marketing plan. With so many ways to market online, it’s critical that you have a defined plan that you can afford to stick to – and work consistently (this is key to marketing – online and off).V. MAKE TIME TO KEEP LEARNING Making money online is a process of trial and error. You’re going to try some things that work brilliantly, and others will be a complete flop. But you have to keep at it. If you stay focused in your efforts (e.g. not flitting from one business to the next); track your efforts; and make time to continuously learn what the “big boys” do to make so much money, eventually you will hit upon something that works.
Top Banks United States
There are thousands of banks in US. It is very hard to decide which is the best bank. Here is the list of top1. JP Morgan Chase $2,533bn2. Bank of America $2,281bn3. Wells Fargo $1,951bn4. Citi Bank $1,843bn5. Goldman Sachs $916bn6. Morgan Stanley $851bn7. U.S Bankcorp $461bn8. TD Bank $380bn9. HSBC $273bn10. American Express $181bnWhen considering where to put one’s money for safekeeping, the list of bank and credit union options seems endless. There are small local and regional financial institutions that can be entrusted with your hard-earned cash, of course, but for full service and far-reaching banking, the biggest national banks reign supreme. According to the Federal Reserve, these 10 financial institutions are the biggest banks in the United States by assets held. Below is our top 10 banks in America.JPMorgan-ChaseThe largest bank in the country and the sixth-largest in the world, the Federal Reserve reports JPMorgan-Chase as holding close to $2 trillion in worldwide assets as of the end of last year. This makes it number one on our list of top 10 banks. The company is the result of the 2000 merger of two much-older banks, J.P. Morgan and Company and Chase Manhattan Corporation. While the J.P. Morgan name is used for investment banking and private wealth management, the bank provides retail and commercial bank services as Chase.The financial titan of the 19th century, John Pierpont Morgan, is the namesake of the company and was the founder of the original J.P. Morgan Bank, but early American politician and notorious duelist Aaron Burr was one of the creators of Chase Manhattan. The House of Morgan brought in $96.6 billion in revenue last year despite controversies and legal woes over alleged energy price fixing and negligence during the Bernard Madoff scandal, that resulted in billions in fines paid.Bank of AmericaThe presence of Bank of America’s headquarters in Charlotte, North Carolina singlehandedly makes that city one of the biggest financial centers in the country. Though it is not the largest bank, this company is in fact the world’s largest wealth management firm, because it owns Merrill Lynch, a giant in that field.Bank of America has about 50 million retail banking customers, but it had quite humble beginnings. It started with a small institution serving immigrants in San Francisco at the beginning of the 1900s, that was, oddly enough, called the Bank of Italy. Bank of America briefly ventured into finance in China with acquisition of a stake in Chinese Construction Bank, that it later sold off.The company has made efforts to keep its headquarters in Charlotte and New York eco-friendly and LEED certified, but also has been accused of mortgage fraud in a number of lawsuits since 2010.Wells FargoWells Fargo has long been associated with San Francisco, where it’s still headquartered, as it was formed to capitalize on the Gold Rush by two Northeasterners. In terms of one measure – market capitalization – Wells Fargo is the biggest bank in the world, though it has fought China’s Industrial and Commercial Bank for that title back and forth over the past few years.Wells Fargo holds the oldest continuously operating bank charter in the United States, which was originally granted to the First National Bank of Philadelphia. Wells Fargo pays the largest sum of corporate taxes of any US company each year, but has been accused of tax avoidance practices.CitiA pioneer of both the credit card industry and automated teller machines, Citi Bank – formerly the City Bank of New York – was regarded as an East Coast equivalent to Wells Fargo during the 19th century when both banks were purely regional. Citi was also the first United States bank to open a banking office in a foreign country, having expanded to Argentina in 1914. Nowadays only 26 percent of Citi’s branch offices are in the United States, though they generate 51 percent of the bank’s revenue.ReferenceTop 10 Banks in USUS Bancorp/U.S. BankThe current US Bancorp (which includes U.S. Bank) is the result of the combination of major regional banks from the West and Midwest. The company holds $389 billion in assets, as well as $250 billion in deposits, from 16 million customers. Banks were prohibited by law from using “United States” in their names in 1913, and US Bancorp was among the last firms to be allowed to do so, having appended the phrase to its name the previous year.PNCPittsburgh-based PNC is primarily a regional financial institution, operating mostly on the East Coast, but with offices in nineteen states as well as Washington, DC. PNC actually has two historical meanings – Pittsburgh National Corporation and Providence National Corporation, both Pennsylvania banks that merged to form the beginnings of the current company. They decided to use just the acronym thereafter because of the coincidence of their names. PNC was an early adopter of “virtual wallet” services among traditional banks, and is known for its yearly index of the prices of items from the Christmas carol, “The Twelve Days of Christmas.”Bank of New York MellonThe Bank of New York was founded in 1784 by none other than the very first Secretary of the Treasury, Alexander Hamilton. Bank of New York Mellon is the direct successor organization of that firm, after having merged with T. Mellon and Sons, a Pittsburgh institution that financed the steel and fuel industries. This long history makes it the oldest banking corporation in the country. It holds $27.9 trillion in assets under custody, so it is the world’s largest custodian bank catering to other financial institutions.State StreetBoston’s State Street Corporation originated as a shipping financing firm. It still does business that is similar in spirit, focusing on global banking services and investment management to overseas institutional investors. State Street was involved in a landmark court case in 1998 that found a computer algorithm can be patented in the US.Capital OneCapital One is primarily a retail banking operation, providing largely credit cards, auto loans and home loans in addition to checking and savings services. Originally a pure credit card company, Capital One expanded into banking in earnest in 2005. Early in 2014 Capital One was criticized for changing its customer terms of service to allow the bank to contact customers in any manner it chose, including deliberately deceiving them with fake phone caller IDs.TD BankThe final institution in our top 10 bank list isn’t actually headquartered in the United States; the Toronto-Dominion Bank is quite naturally based in Toronto, Ontario, Canada. Over 22 million people worldwide are TD Bank clients, mostly in the US and Canada. TD has branches in quite remote locations, including Canada’s Northwest Territories and the Yukon.Update: If you have financial questions besides the top banks, SmartAsset can help. So many people reached out to us saying they wanted help with financial planning, that we built a tool to match you with a financial advisor who can meet your needs. First you answer a series of questions about your situation and your goals. Then the program narrows down thousands of advisors to three fiduciaries who meet your needs. You can read their profiles to learn more about them, interview them on the phone or in person and choose who to work with in the future. This allows you to find a good fit while doing much of the hard work for you.
Understanding Car Financing
When you want to purchase a car, one of the main considerations is financing. This is because many people do not have the initial high amounts of money, which are required to meet the cost of the car. One thing you should note about Car financing is that it is very hard to quantify, it is determined by many other factors such as the type of car that you want to purchase, the price tag and the possibility of a trade-in. All these mean that you will be offered different finance packages by different organizations, and it is your duty to choose the most appropriate one.The best way to approach car financingWith all the factors involved, Car financing becomes a very complicated issue, which needs proper understanding of the financial world. Since most of us do not posses such skills or information, the best approach would be to involve the services of a car finance broker. The broker will assist you in all the areas associated with car financing. Remember car financing, just as any other form of financing will require various paperwork. In most cases, people are already overwhelmed by their daily lives, it is therefore better to leave the broker to fulfill the formalities helping you secure the loan.Some people obviously benefit more than others do from this arrangement. One of the groups that will benefit mostly from the services of a car-financing broker is those who are self-employed. This is because most of them cannot produce satisfactory historical profit figures to satisfy the financial provider. The duty of the broker is therefore to find institutions, which are more likely to offer better terms. The broker is also going to help you negotiate for better terms just like those offered to people who provide sufficient history of profitable trading.Since car financing brokers deal in only one type of financial product, they have a clear understanding regarding the product. They also use specialized tools such as car loan calculators, which will help you, understand the long-term effects of the loan that you take. Remember a loan might seem cheap now but present adverse effects later on. You will therefore enjoy more piece of mind depending on the advice provided by such specialists.Apart from using the services of a broker, you can also source your car financing online. This method presents you with various banking institutions to source your financing from. In order to exploit this dimension fully, you need to have a clear understanding of what sort of deal you are getting into. Luckily, there are certain tools, which you can utilize to help you gain a deeper understanding of the loan you are acquiring. They include:• Car finance calculator- this will help you get a clear picture of what you will be paying every month. It will also help you understand how long it will take before you can repay the loan.• Chattel mortgage calculator- you can also utilize this calculator, which acts the same as the car finance calculator but on terms, attached to chattel mortgages rather than general loans.